TuyoTuyo
74
Side-by-side card comparison
Tuyo vs Holyheld: overall score versus use-case fit
Holyheld Card has the higher Overall Score by 1 point (75 vs 74). Tuyo Card looks stronger for Funds control and Lowest fees, while Holyheld Card comes out ahead for Cashback, Travel, and Transfers.
Information checked Aug 12, 202640 official sources reviewed
01 · Overall score versus use-case fit
Holyheld Card is the better all-round starting point
Holyheld Card has the higher Overall Score in this comparison. Tuyo Card may be the better fit for Funds control and Lowest fees. A score cannot tell you whether a provider will accept your application or whether every feature will be available where you live, so check the latest provider terms before signing up.
OverallTuyo74Holyheld75Higher score
CashbackTuyo39Holyheld64Higher score
TravelTuyo42Holyheld68Higher score
Funds controlTuyo100Holyheld74Higher score
Lowest feesTuyo71Holyheld67Higher score
TransfersTuyo72Holyheld81Higher score
Choose Tuyo Card if funds control and lowest fees matter most
Tuyo Card comes out ahead for Funds control and Lowest fees in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Self-custody wallet control
- Virtual Visa with both phone wallets
- Multichain USDC funding and spendable Earn
Choose Holyheld Card if cashback and travel matter most
Holyheld Card comes out ahead for Cashback, Travel, and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Self-custody crypto before card top-up
- Virtual, physical and metal Mastercard
- Personal IBAN and SEPA transfers
Where each card has the edge
The overall leader does not win every use case, so the reason you want the card matters here.
- Overall Score
- Tuyo74Holyheld75
Holyheld Card has the higher Overall Score by 1 points.
- Entry cost & FX
- Tuyo$0 plan · 1–3% FXHolyheld$0 plan · Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency FX
Tuyo Card has the lower published FX fee (1–3% vs Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency).
- Purchase rewards
- Tuyo0% base · up to 100%Holyheld0.5% base · up to 1%
Holyheld Card has the higher published base cashback rate (0.5% vs 0%).
- Funds control
- TuyoSelf-controlled walletHolyheldHybrid custody
Tuyo Card uses a self-controlled wallet setup, while Holyheld Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- TuyoVirtual · Apple Pay, Google PayHolyheldVirtual + Physical · Apple Pay, Google Pay
Holyheld Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Tuyo1 stablecoin · Stablecoin transfersHolyheld2 stablecoins · Stablecoin transfers; Outgoing SEPA transfer
Holyheld Card lists more stablecoins and ways to send money out (4 vs 2).
02 · Read the shortlist
A closer look at the split decision
Start with the strengths that drive each use-case result, then test them against costs and access.
- Cashback
- 0%-100%
- Plan cost
- $0
- FX fee
- 1–3%
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 1 fiat
- Payout methods
- 1 crypto · 0 fiat
- Cashback
- 0.5%-1%
- Plan cost
- $0
- FX fee
- Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency
- ATM fee
- Up to EUR 2 + 2.5%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 1 fiat
- Payout methods
- 3 crypto · 1 fiat
03 · Compare the details
See how the trade-offs line up
Comparable figures receive a marker; missing or unverified details stay visible instead of becoming an assumed advantage.
Best known Not disclosed
CardsTuyo CardOverall74Holyheld CardOverall75
Tuyo CardOverall74Holyheld CardOverall75Scores
6 fields- Overall Score
- Tuyo Card74Holyheld Card75
- Cashback score
- Tuyo Card39Holyheld Card64
- Travel score
- Tuyo Card42Holyheld Card68
- Funds control score
- Tuyo Card100Holyheld Card74
- Lowest fees score
- Tuyo Card71Holyheld Card67
- Transfers score
- Tuyo Card72Holyheld Card81
Strengths & trade-offs
2 fields- Strengths
- Tuyo CardSelf-custody wallet control, Virtual Visa with both phone walletsHolyheld CardSelf-custody crypto before card top-up, Virtual, physical and metal Mastercard
- Trade-offs
- Tuyo CardReward value is unpredictable, Virtual-only with no ATM accessHolyheld CardCountry eligibility is incomplete, Foreign spend can be expensive
Costs
7 fields- Plan cost
- Tuyo Card$0Holyheld Card$0
- FX fee
- Tuyo Card1–3%Holyheld CardUp to 5.5% + EUR 1; actual pricing depends on transaction geography and currency
- Top-up fee
- Tuyo CardNot disclosedHolyheld Card0%
- Card spending fee
- Tuyo Card0%Holyheld Card€0.50
- ATM fee
- Tuyo CardNot availableHolyheld CardUp to EUR 2 + 2.5%
- Virtual card
- Tuyo CardFreeHolyheld CardLimited Edition virtual card: EUR 99; Classic includes virtual access
- Physical card
- Tuyo CardComing soon; not currently availableHolyheld CardClassic: EUR 29; Metal: EUR 199
Plans
2 fields- Available plans
- Tuyo CardNot disclosedHolyheld Card3 plans: Classic, Limited Edition, Metal
- Top cashback plan
- Tuyo CardNot disclosedHolyheld CardMetal: 1%
Everyday use
8 fields- Network
- Tuyo CardVisaHolyheld CardMastercard
- Card formats
- Tuyo CardVirtualHolyheld CardVirtual, Physical
- ATM withdrawals
- Tuyo CardNot availableHolyheld CardAvailable
- Mobile wallets
- Tuyo CardApple Pay, Google PayHolyheld CardApple Pay, Google Pay
- Apps
- Tuyo CardiOS, AndroidHolyheld CardiOS, Android, Web
- Daily spending limit
- Tuyo CardUp to $10,000 per day; limits can change with usage and account history.Holyheld CardEUR 10,000 daily
- Monthly spending limit
- Tuyo CardNo fixed monthly card-spend limit is publicly disclosed.Holyheld CardEUR 25,000 monthly; EUR 250,000 annually
- ATM limit
- Tuyo CardATM withdrawals are not currently supported.Holyheld CardEUR 1,000 per 24 hours; EUR 5,000 per 30 days
Funding & transfers
5 fields- Networks
- Tuyo CardEthereum, Base, Arbitrum, Optimism, PolygonHolyheld CardEthereum, Arbitrum, Base, Optimism, Polygon, Gnosis +2
- Crypto deposits
- Tuyo CardStablecoins: USDCHolyheld CardStablecoins: USDC, USDT
- Fiat deposits
- Tuyo CardVirtual-account receivingHolyheld CardPersonal EUR IBAN
- Transfers
- Tuyo CardStablecoin transfersHolyheld CardStablecoin transfers; Outgoing SEPA transfer
- Payout currencies
- Tuyo CardNot disclosedHolyheld CardEUR
Rewards
3 fields- Base cashback
- Tuyo Card0%Holyheld Card0.5%
- Max cashback
- Tuyo Card100%Holyheld Card1%
- Reward currency
- Tuyo CardUSDHolyheld CardUSDC
Earn
5 fields- Advertised APY
- Tuyo CardUp to 11% APYHolyheld CardNot disclosed
- How it works
- Tuyo CardEarn on spending balance, Optional earn vaultHolyheld CardOptional earn vault
- Separate deposit
- Tuyo CardYesHolyheld CardYes
- Use balance for spending
- Tuyo CardYesHolyheld CardNot disclosed
- Lock-up
- Tuyo CardNot disclosedHolyheld CardNo
Trust & availability
8 fields- Custody
- Tuyo CardSelf-custodyHolyheld CardHybrid custody
- Control until payment
- Tuyo CardYou keep controlHolyheld CardProvider controls funds
- Card issuer
- Tuyo CardThird NationalHolyheld CardUnlimit EU Ltd
- Card processing
- Tuyo CardSignify Holdings, Inc. (Rain)Holyheld CardNot disclosed
- Deposits & withdrawals
- Tuyo CardBridge Ventures, Inc. (Bridge)Holyheld CardNot disclosed
- Bank transfers
- Tuyo CardBANEX Microfinance Bank LimitedHolyheld CardNot disclosed
- Identity verification
- Tuyo CardNot disclosedHolyheld CardSumsub / Idenfy
- Programme operator
- Tuyo CardNot disclosedHolyheld CardHolyheld Labs AG
Sources
2 fields- Official sources
- Tuyo Card12Holyheld Card28
- Last reviewed
- Tuyo CardAug 5, 2026Holyheld CardAug 12, 2026
04 · The trade-off
Holyheld Card is the stronger all-round choice
Holyheld Card finishes ahead with an Overall Score of 75 versus 74 for Tuyo Card. Tuyo Card has the lower published FX fee (1–3% vs Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency). Holyheld Card has the higher published base cashback rate (0.5% vs 0%).
Tuyo Card still comes out ahead for Funds control and Lowest fees, which may matter more than the overall result if that is how you plan to use the card. Tuyo Card uses a self-controlled wallet setup, while Holyheld Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
Holyheld Card lists more stablecoins and ways to send money out (4 vs 2). Before applying, confirm availability in your country and recheck the provider's current fees and reward conditions.
If one card now looks like the better fit, you can check the latest application terms on the provider site or read our full Tuyo Card and Holyheld Card reviews first.
Continue with
Tuyo Card
Continue with
Holyheld Card
05 · Common questions
Tuyo vs Holyheld FAQ
Is Tuyo or Holyheld better overall?
Holyheld Card has the higher Overall Score (75 vs 74). That does not make it better for everyone: your preferred fees, rewards, way of holding funds and country availability can change the practical choice.
Which has lower fees, Tuyo or Holyheld?
Tuyo Card has the lower published FX fee (1–3% vs Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Tuyo or Holyheld?
Holyheld Card has the higher published base cashback rate (0.5% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Tuyo and Holyheld differ on custody?
Tuyo Card uses a self-controlled wallet setup, while Holyheld Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Tuyo vs Holyheld comparison?
The latest information check for these two cards was August 12, 2026, using 40 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.